HOW TO FIX YOUR CREDIT

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HOW TO GET YOUR FREE CREDIT REPORT

 lwww.annualcreditreport.com

lIt's mandated by law that all 3 major credit bureaus must provide all residents their free credit report once a year. lReview, verify and dispute any and all errors.

THE BIG 3

3 Private companies that collect the personal information and financial data of individuals and sell it to corporations and municipalities for a profit.
lExperian  (888) 397- 3742

Trans Union (800) 888- 4213

lEquifax (800) 685-1111 

“Nothing seems expensive on credit” - Czech Proverb

 

“Easy credit rip offs”

 – The Good times  

WHO ARE THE 3 CREDIT BUREAUS ?

Three companies control the data of 210 million Americans. The smallest, Chicago-based TransUnion, is owned by the Pritzker family of the Hyatt hotel fortune and boasts credit-reporting operations in 25 countries, including Nicaragua and Botswana. Publicly traded Equifax, founded in 1898 by a Tennessee grocer who sold his customers’ payment records to fellow shopkeepers, calls itself a “global leader in information solutions” with businesses as diverse as risk detection and database management. (According to its income statements, its consumer data unit remains its most profitable, boasting a 40 percent pretax profit margin.) Experian, the largest of the three and based in Ireland, is a $4 billion company that uses consumer data to help businesses send more than 20 billion pieces of junk mail every year.

“No man's credit is as good as his money. ” - John Dewey

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If you want to continue to be slaves of the banks and pay the cost of your own slavery, then let bankers continue to create money and control credit. - Josiah Stamp

 lSpend less than you earn.

lSeparate wants and needs

lDevelop conscious spending
lPay yourself first.
lMake your money work for you.
lUse credit only when there is a profit to be made using it.

“Do you want to earn 21 percent risk free? Pay off your credit cards.”

lDead Beats are what the credit card industry call the 40% of card users who pay their full balance every month.

lRevolvers carry balances from month to month and pay less than 3-4% of their total debt.